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Who is in charge of "New Year's Money"? 10 ways to make your baby a wealth manager

Release Time:2021-03-13 Topic:How to understand stock knowledge Reading:100 Navigation:Stock Liao information > Mother and childcare > Parenting > Who is in charge of "New Year's Money"? 10 ways to make your baby a wealth manager phone-reading
Photo Gallery    Just after the new year, the debate over who should manage the children’s "new year money" has revived. Even ascending to the legal level, news such as "Parents confiscate and embezzle children's New Year money illegal? Children have called the police" and other news that are "unbelievable" in the eyes of parents have appeared in major media.    Actually, the concept of "financial quotient" has gradually entered the practice of family education. Allowing children to understand social and economic phenomena from an early age and cultivating their corresponding financial awareness will benefit children's intellectual, emotional, and psychological development and maturity, and will also make future family consumption more rational.    Then, how to manage children’s "New Year Money" and how to guide them to gradually realize "Financial Freedom"? How to cultivate children's "financial quotient"? If these issues are not well grasped in detail, it may be counterproductive. Our goal in cultivating children's financial quotient is not to make them become money worshippers, but to let them know the correct understanding of money and how to use the law of money to create wealth, so that "financial freedom" can be truly realized. Let me share with you the tips for scientifically cultivating children's financial quotient.   Different ages have different tasks in financial education   Relevant experience in cognitive and developmental psychology shows that children’s cognition of wealth at different ages follows certain rules. This means that the focus of financial education for children of different ages is also different. Neither should it be used to encourage growth, nor should the best time be missed:    1-2 years old: I started to come into contact with money, knowing that there is such a circulating object in my life.   3 years old: Started to identify coins and banknotes.    4 years old: Knowing that the currency unit is yuan, jiao, and cents, and realizing that we can't buy all the goods, so we must make a choice.    5 years old: Know that different currencies can buy different amounts of goods, and how the money comes from.    6 years old: able to count a large number of coins and find a small amount of money from a pile of banknotes.   10 Tips to train your baby into a wealthy master    Knowing the concept of "financial" that all age groups should understand, the following introduces several practical methods for cultivating baby financial quotient in daily life:   1. Teaching babies to know money    When the baby reaches 1 year old, many Jewish parents will give the stock as a gift to the child. This is the practice of Jewish families and the unique financial education of Jewish parents to their children, especially for Jews in North America. The purpose of giving children stocks is to let children have access to money, know money, and understand money from an early age.   In our lives, for example, when taking a 1-2 year old baby to ride in various children's game vehicles, mom and dad can give the baby a small amount of money, so that the baby can redeem the game currency by himself. When the game currency is put into the machine, the baby can enjoy the comfortable feeling of rocking around in the game car. By using money to exchange game coins, the baby gradually knows that there is a circulation of money in life. By giving some money to others, he can exchange for coins for riding in the game car, so that he can enjoy happiness.   2. Tell the baby where the money comes from    2-3 year old children often like to flip through mom and dad’s wallets or ask mom and dad to get money in the wallet in exchange for what he needs. At this time, mom and dad have to tell the baby: "Money is not what you want to have, you should save it, and it will be gone when you use it up." The baby will be curious. Why is money not available for it? At this time, mom and dad can tell the baby: "Dad and mom go to work every day and work hard, and then they can get wages, which is a sum of money, so money is earned through labor." From this, the baby understands labor. The truth that can create wealth.   3. Teach babies how to spend money    Always tell your baby that only the money you earn has the right to decide how to spend it, and the same is true for the money your parents earn. If the baby wants something and the parents think it shouldn't be bought, the baby must buy it with his own money. In subtle changes, the baby accepted this concept and learned to restrain his desires when his own money was not enough. At the same time, the desire to grow up to work like parents will also arise, because work can bring income to one's life. If you want to find a job, you must learn your skills from an early age. These concepts have been clarified. Even if parents do not give the baby material incentives, the baby will understand the importance of learning skills, and gradually form the inner motivation for self-motivation.   4. Play a "money game" with your baby    understand the basic origin and purpose of money, usually when mom and dad are resting at home, they can also play some coin exchange games with their babies. Of course, because coins are in circulation, there are many bacteria on them, and they are not suitable for children to play. Moms and dads can use playing cards instead. For example, one 10 can buy a plastic fish, and a 5 can buy an apple. Look at the apples, pears, small fish, etc. at home.In terms of how much to sell. The baby may not be very clear, but such a game can still make the baby understand the process of currency exchange.   5. Let babies know the value of money    After the baby can recognize the numbers, you can let the baby look for the numbers on the coin, and at the same time let the baby understand the currency unit yuan, jiao, and cent. A mother shared her experience in educating her children: "In the beginning, I asked the baby to save 1 dime coins. After a period of time, we counted the money in the piggy bank together and helped her put 5 1 dime coins. Change your coins to a 5-Jiao banknote, 10 1-Jiao coins to a 1-Yuan banknote, and 2 5-Jiao coins to a 1-Yuan banknote...Slowly the baby will learn to have a small denomination between RMB The conversion is done." Through the actual use of currency in this way, the baby will gradually be able to understand the value of various banknotes and coins.   6. Understand cheap and expensive   When letting the baby try to buy, mom and dad can let the baby know that there are cheap and expensive items. At the same time, let the baby understand that it is impossible for him to buy all the things in the supermarket. So when buying, make a choice. Mom and dad can consciously let the baby look at the price tag of the product. Know that the price tag represents the money you have to pay. When buying juice, milk, and yogurt, you can compare the size of the bottle with your baby. The larger the bottle, the lower the price tag, the cheaper it is. When buying bread and cakes, you can also take your baby to see them at different times. Usually these fresh foods are more expensive during the day, but when they are discounted at night, they are relatively cheap. Through comparison, the baby gradually knows that the same product will have different prices, and when buying it, he should choose the practical one.   7. Open an account and save the new year's money   With the advent of holidays. Many babies get a lot of money for the New Year's Eve. Mom and Dad can go to the bank to open a "separate account" for the baby to help the baby save his new year's money. Every year, the baby sees that his new year's money grows with his savings and generates a small amount of interest, and he will understand that the extra money used for savings can bring himself a small income. If an elder in the family is sick, mom and dad can encourage the baby to use their savings to buy some nutrients for the elders, and to send warmth and comfort to the elders. In this way, babies know that their savings can still help their family members when they encounter difficulties, and they will understand the importance of savings.   8. Understand simple financial knowledge    You can play some games like "Monopoly" with your baby first, and introduce simple finance and investment knowledge to him while having fun. Parents who are familiar with stocks can also buy one or two company stocks that their children know about, such as the company that produces milk that they drink every day, and then accompany their children to pay attention to relevant information about the company, and let them know what news will increase the price of their stocks or When prices fall, the children have mastered the simple principles of stock investment.   9. Pocket money cannot be combined with punishments   Bashu, a child psychologist, pointed out that the deduction or reduction of pocket money cannot be used as a punishment for babies. According to a survey conducted by him, only 20% of babies have changed after the punishment.   10. Pocket money cannot be used as a "bonus"    Mom and Dad try not to use the pocket money as a "bonus". Giving a meaningful gift, taking a child on a trip, or even just a sincere compliment, can fully play a positive "cheering" effect. To the question “whether children should be paid for housework” raised by some people, the answer given by children’s education experts is this: basic housework is also one of the family responsibilities that children should bear, so parents should not pay for it. A more recommended approach is to turn housework into a "parent-child game" rather than a transaction. However, for some "difficult" household chores, you may wish to give appropriate monetary encouragement to encourage your children to complete them. (Text/Cui Yonghua National Children's Medical Center) +1 【Error correction】 Editor: Wang Qi

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